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          这样做了，就真的不一样了
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        <p>早上起来，习惯性地看了下价钱，</p>
<blockquote>
<p>虽然我知道应该把注意力放在场外，但还是忍不住看一下收益率，这就是人性呀</p>
</blockquote>
<p>感觉涨了不少 —— 收益率超过了45%，算了下收益，竟然比收益率 100% 时还多！</p>
<p>怎么回事呢？</p>
<a id="more"></a>
<p><img src="http://blog.lixiaofei.cn/images/2021/08/smallstep/01.jpg" alt="2021-08-22 收益"></p>
<p>其实收益和收益率关系并没有想象中那么大，最主要的是投入的本金。</p>
<p>一年多持续的定投，使我的本金逐步增加，效果也就越来越明显了。</p>
<p>怎么理解本金的作用呢？我们来算算。</p>
<p>1万元的100% = 1万</p>
<p>1百万元的1% = 1万</p>
<p>本金增加了，收益率仅是百分之一，获得收益金额就一样了，收益率再涨一点，就会大大超出原来的收益。</p>
<p>所以： <strong>重要的是本金</strong></p>
<p>但是，没有几个人可以有一百万拿来投资，特别是对像我一样的平民(没钱、没资源、没背景)来说。</p>
<p>那如何提高本金呢？只有一个办法就是 —— <strong>攒</strong>，积少成多。</p>
<blockquote>
<p>哪怕是攒 10块钱、1块钱、1毛钱、1分钱。</p>
</blockquote>
<p>你可能会说现在需要的是赚，不是攒。</p>
<blockquote>
<p>没错，但没有攒的意识和习惯，赚的再多也留不住。</p>
</blockquote>
<p>你可以会说这么点钱，就算有一天一块，100天才100块，还不如人家零花钱的零头呢！</p>
<blockquote>
<p>听上去好像没错，但是比起100天前的自己，资产竟然增长了100倍！</p>
</blockquote>
<p>更重要的是你养成了一个积攒的习惯！</p>
<p>想想对于一个从来不积攒的人来说，这个习惯应该值多少钱？</p>
<p>就这还没算这么长时间的利息。</p>
<p>而你与之相比得那个很多零花钱的人，不如不知道积攒，总有一天，你就超过他了，事实上你已经超过他了，不是吗？</p>
<p style=""><img src="https://math.now.sh?from=1.01%5E%7B365%7D%20%3D%2037.78343433289%20%0A" /></p><p>相对于充足的本金而言，更为重要的是一个每个人都拥有的资源 —— <strong>时间</strong></p>
<p>上面的公式之所以有效，是因为时间。时间使原本不起眼的增量，放大，加上复利，就会有竟然的效果。</p>
<p>你可以说复利哪里去找呀？</p>
<p>其实复利无处不再，我们的身体是复利，我们的影响力也是复利，投资股票是复利，投资基金也是复利，但无论哪一种，操作的方式都是一样的，不断地投入筹码。</p>
<p>锻炼，是投入身体复利地筹码，我们没法通过一次锻炼让体格变强，但是每天跑步一公里，长期积累，就会使身体变强，像我到现在（2021-08-23）跑了9个月了，身体比之前强多了；</p>
<p>帮助他人，是投入影响力地筹码，我们没法通过一次两次活动获得他人的信赖与支持，但，持续的帮助更多的人，为他们提供能量，就会是我们的影响力指数级增长，像我经营的这个公众号，读者也是逐步增长的；</p>
<p>对于投资来说，筹码就显而易见了，我们没法一次投入很多钱，但我们可以每天、每周、每月甚至每年，投入一点资金，长期积累，就会使本金增大，像我从一年钱开始投资 <a href="https://mp.weixin.qq.com/s/uPzx5SG9dCNgQRcMvf9-_A" target="_blank" rel="noopener" title="BOX">BOX</a>，从开始的几百块，到现在的上万块，如果让我一次性拿出那么多钱，我一定每月办法。</p>
<p>所以，时间才是我们每个人拥有的真正财富。</p>
<p>更准确的得说，<strong>时间是我们平民获得财富自由的最重要的资源</strong>。</p>
<p>是不是感觉像鸡汤，道理听的都磨出茧来了，为啥做不好呢？因为 ——</p>
<blockquote>
<p>没深入思考，没提升认知，没下决心改变，没正向的环境，没良好的指导……</p>
</blockquote>
<p>更重要的是，没体验到改变带来的幸福和愉悦 ——</p>
<blockquote>
<p>一种获得成长的确定感</p>
</blockquote>
<p>从哪里开始呢？</p>
<p>从读书开始，提升自己的认知，读书是提升认知的最好方式，没有之一</p>
<p>从锻炼开始，强健自己的身体，锻炼是最划算的自我投资方式，没有之一</p>
<p>比心！</p>
<p>回复【投资】获得惊喜。</p>

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  NexT.utils.getScript('//unpkg.com/valine/dist/Valine.min.js', () => {
    var GUEST = ['nick', 'mail', 'link'];
    var guest = 'nick,mail';
    guest = guest.split(',').filter(item => {
      return GUEST.includes(item);
    });
    new Valine({
      el         : '#valine-comments',
      verify     : false,
      notify     : false,
      appId      : 'teRj7yeJj0xpfGKLJ5uFdbIu-gzGzoHsz',
      appKey     : '3uie0p1nxouCCnkjiXTEBeLd',
      placeholder: "您的关注是我的动力",
      avatar     : 'mm',
      meta       : guest,
      pageSize   : '10' || 10,
      visitor    : true,
      lang       : 'zh-cn' || 'zh-cn',
      path       : location.pathname,
      recordIP   : false,
      serverURLs : ''
    });
  }, window.Valine);
});
</script>

</body>
</html>
